A payment transaction method, device and storage medium

Abstract

The application discloses a payment transaction method and device and a storage medium, and is used for solving the problem that the NFC antenna area of a POS terminal is in spatial position conflict with a magnetic stripe track and an IC card slot, thereby causing the problem of misreading of transaction information. The method comprises the following steps: when starting a payment transaction, triggering NFC to enter a card searching stage, wherein the transaction stage of the NFC comprises the card searching stage and a card reading stage, the card searching stage is configured with a card searching configuration parameter, the card searching configuration parameter is configured such that the NFC does not respond when a magnetic stripe card is swiped at the magnetic stripe track of the POS terminal or an IC card is swiped at the IC card slot, the card reading stage is configured with a card reading configuration parameter, and the card reading configuration parameter is configured such that the NFC can normally read a card in the card reading stage; in the card searching stage, searching for a card according to the card searching configuration parameter; and if the swiping operation of the magnetic stripe card or the IC card is detected, responding to the swiping operation.

Description

Technical Field

[0001] This application relates to the field of electronic technology, and in particular to a payment transaction method, apparatus, and storage medium. Background Technology

[0002] With the rapid development of payment technology, merchants have placed higher demands on the functionality and flexibility of POS payment devices. Traditional POS machines have limited functionality, only capable of simple card swiping transactions, resulting in low payment efficiency and making it difficult to meet the increasingly diverse payment needs of today's business environment.

[0003] To meet this market demand, existing technologies have introduced a POS terminal device that integrates NFC, IC, and magnetic stripe transaction methods. This device not only supports traditional magnetic stripe card transactions but is also compatible with IC card and NFC payments, providing a more convenient and efficient payment experience. Furthermore, users can choose the appropriate payment method according to their actual needs, greatly improving payment flexibility and convenience.

[0004] However, in actual transactions, the three transaction methods are usually activated simultaneously. Due to the limitations of the ID appearance, the magnetic stripe track and IC card slot are usually inevitably close to the NFC antenna area, which causes NFC to often read the information of the magnetic stripe or IC card in advance, making it impossible for the magnetic stripe and IC card to complete the transaction normally. Summary of the Invention

[0005] To address the aforementioned technical problems, this application provides a payment transaction method.

[0006] The technical solution provided in this application is described below:

[0007] A first aspect of this application provides a payment transaction method, the method comprising:

[0008] When a payment transaction is initiated, NFC is triggered to enter the card search phase. The NFC transaction phase includes the card search phase and the card reading phase. The card search phase is configured with card search configuration parameters, which are configured such that NFC will not respond when a magnetic stripe card is swiped at the magnetic stripe track of the POS terminal or an IC card is swiped at the IC card slot. The card reading phase is configured with card reading configuration parameters, which are configured such that NFC can read cards normally during the card reading phase.

[0009] During the card-finding phase, the card is found according to the card-finding configuration parameters.

[0010] If a card swiping operation of the magnetic stripe card or IC card is detected, the card swiping operation is responded to.

[0011] Optionally, after performing card searching according to the card searching configuration parameters, the method further includes:

[0012] If the NFC card search is successfully detected, the NFC will be triggered to enter the card reading stage;

[0013] During the card reading phase, the card is read according to the card reading configuration parameters.

[0014] Optionally, the POS terminal is configured with card swiping configuration parameters, which are configured to enable normal card swiping detection for the magnetic stripe card at the magnetic stripe track or the IC card at the IC card slot. If a card swiping operation of the magnetic stripe card or IC card is detected, the terminal responds to the card swiping operation, including:

[0015] At the magnetic stripe track and the IC card slot, card swiping detection is performed according to the card swiping configuration parameters;

[0016] If a successful swipe operation of the magnetic stripe card at the magnetic stripe track or a successful swipe operation of the IC card at the IC card slot is detected, then a transaction is performed using the magnetic stripe card or the IC card.

[0017] Optionally, after performing card swipe detection according to the card swipe configuration parameters, the method further includes:

[0018] If no card swiping operation is detected at the magnetic stripe track or IC card slot, the card swiping detection will continue to be performed at the magnetic stripe track or IC card slot according to the card swiping configuration parameters.

[0019] Optionally, if the NFC card search is successfully detected, the NFC will be triggered to enter the card reading stage, including:

[0020] Determine whether the NFC receives a response signal during the card search phase, wherein the response signal is the card identification information of the NFC;

[0021] If so, the NFC will be triggered to enter the card reading stage based on the response information.

[0022] Optionally, after determining whether a response signal is received during the card search phase, wherein the response signal is the NFC card identification information, the method further includes:

[0023] If not, then in the card search stage, continue to search for the card according to the card search configuration parameters.

[0024] Optionally, the card-finding configuration parameters include field strength and gain.

[0025] A second aspect of this application provides a payment transaction apparatus, the apparatus comprising:

[0026] An execution unit is used to trigger NFC to enter the card search phase when a payment transaction is initiated. The NFC transaction phase includes the card search phase and the card reading phase. The card search phase is configured with card search configuration parameters, which are configured such that NFC will not respond when a magnetic stripe card is swiped at the magnetic stripe track of the POS terminal or an IC card is swiped at the IC card slot. The card reading phase is configured with card reading configuration parameters, which are configured such that NFC can read cards normally during the card reading phase.

[0027] A card-finding unit is used to find a card according to the card-finding configuration parameters during the card-finding stage.

[0028] A card swiping unit is used to respond to the card swiping operation if a card swiping operation of the magnetic stripe card or IC card is detected.

[0029] A third aspect of this application provides a payment transaction device, the device comprising:

[0030] Processor, memory, input / output units, and bus;

[0031] The processor is connected to the memory, the input / output unit, and the bus;

[0032] The memory stores a program, which the processor invokes to execute the first aspect and any one of the optional methods in the first aspect.

[0033] A fourth aspect of this application provides a computer-readable storage medium on which a program is stored, which, when executed on a computer, performs the methods of the first aspect and any one of the first aspects.

[0034] As can be seen from the above technical solutions, this application has the following advantages:

[0035] This application effectively solves the interference problem caused by the proximity of the NFC antenna area to the magnetic stripe track and IC card slot by configuring corresponding card finding and reading configuration parameters in the NFC transaction process. In the card finding phase, by following the set card finding configuration parameters, it ensures that when the user swipes a magnetic stripe card on the magnetic stripe track or an IC card in the IC card slot of the POS terminal, the NFC module will not respond prematurely. This effectively avoids the interference problem caused by the proximity of the NFC antenna area to the magnetic stripe track and IC card slot, allowing magnetic stripe cards and IC cards to complete the swiping operation smoothly without the NFC prematurely reading information, thus ensuring the smooth progress of the transaction. In the subsequent card reading phase, the NFC card reading operation is performed according to the set card reading configuration parameters, ensuring that the NFC can also perform its card reading transaction function normally without affecting the normal transactions of magnetic stripe cards and IC cards. This design improves the transaction experience of magnetic stripe cards, IC cards, and NFC, reduces the transaction failure rate, and provides merchants and consumers with more convenient and reliable payment services. Attached Figure Description

[0036] To more clearly illustrate the technical solutions in this application, the accompanying drawings used in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are only some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0037] Figure 1 A schematic flowchart of an embodiment of the payment transaction method provided in this application;

[0038] Figure 2 A schematic flowchart of an embodiment of the payment transaction method provided in this application for responding to a card swipe operation;

[0039] Figure 3 A schematic diagram of an embodiment of the payment transaction method provided in this application for triggering NFC to enter the card reading stage;

[0040] Figure 4 A schematic flowchart of an embodiment of the payment transaction device provided in this application;

[0041] Figure 5 A schematic flowchart of another embodiment of the payment transaction device provided in this application. Detailed Implementation

[0042] It should be noted that the payment transaction method provided in this application is applied to a POS terminal, and the following example uses a POS terminal as the executing entity.

[0043] Please see Figure 1This application first provides an embodiment of a payment transaction method, which includes:

[0044] S101. When a payment transaction is initiated, NFC is triggered to enter the card search phase. The NFC transaction phase includes a card search phase and a card reading phase. The card search phase is configured with card search configuration parameters. The card search configuration parameters are configured so that NFC will not respond when the magnetic stripe card is swiped at the magnetic stripe track of the POS terminal or the IC card is swiped at the IC card slot. The card reading phase is configured with card reading configuration parameters. The card reading configuration parameters are configured so that NFC can read the card normally during the card reading phase.

[0045] S102. In the card search stage, search for the card according to the card search configuration parameters, and then execute step S103 or step S104.

[0046] S103. If a card swiping operation of a magnetic stripe card or IC card is detected, respond to the card swiping operation.

[0047] S104. If NFC card finding is successful, NFC is triggered to enter the card reading stage, and then step S105 is executed.

[0048] S105. During the card reading stage, the card is read according to the card reading configuration parameters.

[0049] In this embodiment, to address the issue of NFC prematurely reading transaction information from magnetic stripe cards or IC cards, preventing the transaction from being completed correctly, configuration parameter settings for the NFC card search and reading phases need to be enabled at the POS terminal software level. Then, magnetic stripe card and IC card swiping operations are performed at the magnetic stripe track and IC card slot, respectively. During the swiping operation, the card search configuration parameters for the card search phase are continuously reduced by decreasing register parameters related to field strength and gain until a card search configuration parameter is obtained that prevents NFC from responding when a magnetic stripe card is swiped at the magnetic stripe track or an IC card at the IC card slot. This card search configuration parameter, including field strength and gain, is then set in the card search phase. Next, card reading configuration parameters are set in the card reading phase. It should be noted that these reading configuration parameters are determined based on the actual performance of reading different types of NFC cards within a 0-4cm range, without considering the influence of magnetic stripe cards and IC cards.

[0050] Afterwards, initiating a payment transaction on the POS terminal triggers the POS terminal's NFC to enter the card search phase. During this phase, the POS terminal's NFC performs a card search operation according to the card search configuration parameters. It should be noted that when initiating a payment transaction on the POS terminal, the magnetic stripe track and IC card slot also enter the card swiping detection process. Furthermore, since the card search configuration parameters are set so that the NFC on the POS terminal will not respond when a magnetic stripe card is swiped on the magnetic stripe track or an IC card is swiped in the IC card slot, the magnetic stripe track and IC card slot are not affected by NFC and will respond and process the transaction based on the detected card swiping operation. If NFC card information is detected during the card search phase, it indicates that the POS terminal's NFC card search is successful, and the NFC will then enter the card reading phase. During the card reading process, the POS terminal's NFC will perform a card reading operation according to the card reading configuration parameters.

[0051] This embodiment effectively solves the interference problem caused by the proximity of the NFC antenna area to the magnetic stripe track and IC card slot by configuring corresponding card finding and reading configuration parameters in the NFC transaction process. In the card finding phase, by following the set card finding configuration parameters, it ensures that when the user swipes a magnetic stripe card on the magnetic stripe track or an IC card in the IC card slot of the POS terminal, the NFC will not respond prematurely. This effectively avoids the interference problem caused by the proximity of the NFC antenna area to the magnetic stripe track and IC card slot, allowing the magnetic stripe card and IC card to complete the swiping operation smoothly without the NFC prematurely reading the information, thus ensuring the smooth progress of the transaction. In the subsequent card reading phase, the NFC card reading operation is performed according to the set card reading configuration parameters, ensuring that the NFC can also perform its card reading transaction function normally without affecting the normal transactions of magnetic stripe cards and IC cards. This design improves the transaction experience of magnetic stripe cards, IC cards, and NFC, reduces the transaction failure rate, and provides merchants and consumers with more convenient and reliable payment services.

[0052] In step S101, before conducting a POS terminal payment transaction, the configuration parameters for the two independent stages of NFC transactions—card finding and card reading—need to be enabled at the software level. It should be noted that the configuration parameters for these two stages include field strength and gain. Field strength refers to the absolute value of the electromagnetic field strength emitted by the NFC area, which determines the signal coverage range; the higher the field strength, the farther the signal propagates. Gain refers to the amplification factor of the received signal by the NFC chip, used to compensate for signal loss during transmission and improve the recognition capability of weak signals. When setting the card finding configuration parameters, the register parameters related to field strength and gain within the NFC need to be controlled in advance. By continuously decreasing the register parameters, the field strength and gain during the card finding stage are reduced. Simultaneously, each time the field strength and gain are reduced, magnetic stripe and IC card swiping tests need to be performed at the magnetic stripe track and IC card slot positions, and the response of the NFC area in the POS terminal needs to be observed. For example, for each reduction in field strength and gain, the magnetic stripe and IC cards need to be swiped 10 times in the NFC area in the normal manner. If only 5 times are responded to by NFC, the field strength and gain at this time are recorded as the critical value at which the card swiping operation will not be responded to by NFC. Then, considering the possible errors of each POS terminal, the field strength and gain in the card search stage can be reduced to at least 5 units less than this critical value, thus obtaining the card search configuration parameters for the card search stage. Next, when setting the card reading configuration parameters, a test environment needs to be set up and various types of NFC cards need to be prepared. Then, without considering the influence of magnetic stripe and IC cards, a large number of actual tests are conducted within a distance range of 0-4cm, and the field strength and gain in the card reading stage are continuously adjusted during the test. After each adjustment, detailed records are kept of various card reading metrics, such as success rate, reading speed, and data accuracy. Furthermore, through analysis of extensive test data, the overall performance of reading different types of NFC cards within a 0-4cm distance is used as the criterion to identify the field strength and gain that can read different types of NFC cards. These are then determined as the card reading configuration parameters and set in the card reading stage. Finally, when a staff member operates the POS terminal and selects to initiate a payment transaction, the POS terminal immediately sends a trigger command to the NFC. Upon receiving the command, the NFC quickly loads the pre-set card search configuration parameters and enters the card search stage.

[0053] In step S102, after triggering the card search phase, the POS terminal's NFC continuously transmits radio frequency signals at a specific frequency according to the field strength and gain in the preset card search configuration parameters, defining an effective coverage area within which it searches for NFC cards conforming to the NFC standard protocol. During signal transmission, the receiving channel in the card search phase is open in real time and detects whether there is a card response signal. To prevent signal interference, self-calibration is continuously performed during the card search period to ensure the accuracy and stability of the signal. As long as no valid card response is detected, the card search phase will continue to transmit and monitor the signal according to the card search configuration parameters until the card is successfully found or the transaction process is terminated.

[0054] In step S103, when the staff initiates the payment transaction function, the POS terminal's NFC searches for the card during the card search phase. Simultaneously, the POS terminal performs card swiping detection at both the magnetic stripe track and the IC card slot. During this detection, the POS terminal continuously emits detection signals at specific frequencies at both the magnetic stripe track and the IC card slot. For magnetic stripe cards, the magnetic stripe track is scanned with a specified field strength, and the gain parameter is adjusted to optimize the signal strength. For IC cards, contactless communication is activated via a reader embedded in the card slot with the corresponding field strength and gain parameter. If a valid swipe operation is detected on the magnetic stripe card track or a successful handshake signal is triggered on the IC card slot, the POS terminal immediately determines the swipe operation is successful and initiates the transaction processing flow, including reading card information, verifying validity, and executing the payment instruction. If no valid swipe action is detected, the system maintains the current detection state until a valid swipe event is detected or the swipe timeout mechanism is triggered.

[0055] In step S104, during the card search phase, the POS terminal's NFC generates a card search command based on preset card search configuration parameters and broadcasts the card search signal through specific electromagnetic field strength and gain configurations. If the POS terminal's NFC receives a response signal from the NFC card during the card search phase, it parses the card identification information, such as the UID, in the response signal. Once the response signal is verified to be valid and contains a valid card identifier, the POS terminal determines that the card search was successful and immediately triggers a state transition mechanism, switching the card search phase to the card reading phase. If no valid response signal is detected, the POS terminal's NFC maintains the card search state according to the card search configuration parameters and executes the card search broadcast process until a valid response signal is received or the card search timeout threshold is reached.

[0056] In step S105, after the NFC successfully locates the card and triggers the card reading phase, the POS terminal's NFC will perform a card reading operation according to the preset card reading configuration parameters. During the card reading operation, a specific command needs to be sent to the NFC card first; this command acts like a door opener, requesting the card to provide relevant data. During data transmission, the POS terminal performs real-time verification of the received data, using methods such as CRC checksum algorithms to ensure data integrity and accuracy. If an error is detected in the data transmission, the POS terminal will immediately resend the command, requesting the NFC card to retransmit the data. Simultaneously, the POS terminal encrypts sensitive data such as the NFC card number and transaction amount to prevent data leakage until all data has been read. Then, the POS terminal performs subsequent transaction processing based on all the data from the NFC card, thus completing the entire payment transaction process.

[0057] To ensure that magnetic stripe cards can be swiped correctly at the magnetic stripe track and IC cards can be swiped correctly at the IC card slot, swiping configuration parameters need to be configured. These parameters are set to allow for normal card swiping detection when a magnetic stripe card is detected at the magnetic stripe track or an IC card is detected at the IC card slot. Therefore, for the specific implementation of the card swiping operation response in step S103 above, please refer to [link to relevant documentation]. Figure 2 , Figure 2 An embodiment of the payment transaction method provided in this application that responds to a card swipe operation includes:

[0058] S201. Perform card swiping detection at the magnetic stripe track and IC card slot according to the card swiping configuration parameters;

[0059] S202. If the swiping operation of the magnetic stripe card at the magnetic stripe track is successful or the swiping operation of the IC card at the IC card slot is successful, then the transaction of the magnetic stripe card or the IC card is carried out.

[0060] S203. If no card swiping operation is detected at the magnetic stripe track or IC card slot, continue to perform card swiping detection at the magnetic stripe track or IC card slot according to the card swiping configuration parameters.

[0061] In this embodiment, before detecting a swipe operation of a magnetic stripe card or IC card, swipe configuration parameters need to be configured on the POS terminal. Specifically, these parameters are set to the field strength and gain required for normal swipe detection of a magnetic stripe card at the magnetic stripe track or an IC card at the IC card slot. Then, when the transaction payment function is initiated and the card is searched during the card search phase, the POS terminal simultaneously performs swipe detection at both the magnetic stripe track and the IC card slot according to the configuration parameters. When the electromagnetic signal generated by the user swiping the magnetic stripe card at the magnetic stripe track is detected, or a communication request from the IC card chip is detected at the IC card slot, the POS terminal immediately responds, establishing a valid communication connection with the magnetic stripe card or IC card via the magnetic stripe track or IC card slot, and quickly reading the data from the card. Subsequently, the POS terminal processes the transaction based on the read data, ultimately completing the entire payment transaction process. When no valid signal from the user is detected at the magnetic stripe track or IC card slot, the POS terminal will continue to perform a loop detection at the magnetic stripe track or IC card slot according to the card swiping configuration parameters until a card swiping signal from the magnetic stripe card or IC card is obtained, and then the next round of loop detection will begin.

[0062] Please refer to the following examples for illustration:

[0063] Suppose a customer selects items at a convenience store and then goes to the checkout to pay. The cashier activates the POS terminal to process the transaction, and the magnetic stripe track and IC card slot begin detecting card swipes according to the pre-configured card swiping parameters.

[0064] If the customer is using a magnetic stripe card, they place the card on the magnetic stripe track and swipe it. The POS terminal's magnetic head sensor detects the change in electromagnetic signal generated by the magnetic stripe moving across it and determines the swipe operation is successful. Next, the POS terminal reads the information on the magnetic stripe, such as the card number and expiration date, and processes the transaction based on this information. If the customer is using an IC card, they insert the IC card into the IC card slot. The contact pins of the IC card slot establish a connection with the IC card chip, detect the chip communication request, and determine the swipe operation is successful. Then, the POS terminal interacts with the IC card according to the ISO7816 protocol to complete the transaction.

[0065] If the customer does not swipe their card, or if the swipe is an NFC card, the POS terminal will not detect a valid signal at the magnetic stripe track and IC card slot. In this case, the POS terminal will not stop scanning at the magnetic stripe track and IC card slot, but will continue scanning according to the card swiping configuration parameters. During this continuous scanning process, once the customer swipes their card correctly, the POS terminal can promptly detect it and process the subsequent transaction.

[0066] In summary, by using the configured card swipe parameters to detect transactions at the magnetic stripe track and IC card slot, the accuracy and stability of card swipe operation recognition are ensured. When a successful card swipe is detected, the transaction can be quickly initiated for either the magnetic stripe card or the IC card, greatly improving transaction efficiency, reducing customer waiting time, and optimizing the payment experience. If no card swipe is detected, the POS terminal can continuously detect transactions at the magnetic stripe track and IC card slot according to the configured parameters, avoiding missed detections due to accidental factors, ensuring that no valid card swipe transaction is missed, improving the transaction success rate, and enhancing the trust of merchants and consumers in the payment system.

[0067] For details on the specific implementation of step S104 above, where NFC card finding is successfully detected, triggering the NFC card reading phase, please refer to [link to relevant documentation]. Figure 3 , Figure 3 An embodiment of the payment transaction method provided in this application that triggers NFC to enter the card reading stage includes:

[0068] S301. Determine whether the NFC has received a response signal during the card search phase. The response signal is the NFC card identification information.

[0069] S302. If so, then trigger NFC to enter the card reading stage according to the response information;

[0070] S303. If not, continue searching for the card according to the card search configuration parameters during the card search phase.

[0071] In this embodiment, after the POS terminal initiates a payment transaction, the NFC first enters the card search phase. During this phase, the NFC performs a card search operation according to pre-configured card search parameters. To avoid affecting the magnetic stripe track and IC card slot swiping response, the NFC searches for the card according to the set parameters and checks for a response signal during the search process. This response signal is the NFC card's identification information. It should be noted that the NFC on the POS terminal continuously emits signals at a specific frequency. When an NFC card conforming to the NFC protocol is present nearby, the NFC card receives this signal and sends back a response signal containing its own identifier. Then, when the NFC receives the card identification information, it indicates that the NFC card search phase has been successful. At this point, the POS terminal triggers the NFC card reading phase based on the received card identification information. Once the card reading phase begins, the POS terminal will install card reading configuration parameters to perform NFC card reading operations. If no response signal from the NFC card is detected during the card search phase, the NFC will not stop searching for the card, but will continue to perform the card search operation according to the card search configuration parameters, continuously transmitting signals and waiting for possible NFC card responses until a response signal is detected or a transaction timeout occurs.

[0072] In practical applications, suppose a customer selects items in a supermarket and uses an NFC-enabled mobile phone to pay at the checkout. When the cashier presses the "Pay" button on the POS terminal, the NFC in the POS terminal is simultaneously triggered to enter the card search phase. At this time, the NFC in the POS terminal transmits a carrier signal at a fixed frequency.

[0073] Then, when the mobile phone enters the valid area of ​​the NFC carrier signal, it will receive the carrier signal and return response information containing frame data such as UID and ATQA to the NFC. Then, when the NFC receives the response information, it indicates that the card search has been successful and will immediately trigger the NFC to enter the card reading stage, thereby completing the payment.

[0074] If a customer pays using a magnetic stripe card or IC card instead of a mobile phone, NFC will not interfere with or prematurely read the card swiping operation at the magnetic stripe track or IC card slot during the card search phase due to the card search configuration parameters. Furthermore, if NFC does not detect a card response signal within a certain time, it will continue to transmit carrier signals according to the card search configuration parameters, waiting for the customer to approach with an NFC-enabled mobile phone until the transaction times out or a response signal is detected.

[0075] In summary, this embodiment effectively improves card finding efficiency and accuracy by determining whether a response signal containing NFC card identification information is received during the card finding phase. Once a response signal is received during the card finding process, the NFC is quickly triggered to enter the card reading phase based on the response information in the signal, avoiding unnecessary card finding operations, saving time and resources, and enabling the POS terminal's NFC to establish communication with the NFC card more quickly and complete subsequent payments. If no response signal is received, the card finding process continues according to the card finding configuration parameters, ensuring the continuity and stability of the card finding process. The card finding task in the card finding phase will not be interrupted due to a single non-response or the customer using other payment methods, thus improving the adaptability and reliability of the POS terminal's NFC in different environments.

[0076] Please see Figure 4 This application also provides a payment transaction device, the device comprising:

[0077] The execution unit 401 is used to trigger NFC to enter the card search stage when a payment transaction is initiated. The NFC transaction stage includes a card search stage and a card reading stage. The card search stage is configured with card search configuration parameters, which are configured so that NFC will not respond when a magnetic stripe card is swiped at the magnetic stripe track of the POS terminal or an IC card is swiped at the IC card slot. The card reading stage is configured with card reading configuration parameters, which are configured so that NFC can read the card normally during the card reading stage.

[0078] The card finding unit 402 is used to find cards according to the card finding configuration parameters during the card finding stage;

[0079] The card swiping unit 403 is used to respond to a card swiping operation if a card swiping operation of a magnetic stripe card or an IC card is detected.

[0080] Optionally, a card reader unit 404 is also included, for:

[0081] If NFC card finding is successful, the NFC will be triggered to enter the card reading stage;

[0082] During the card reading phase, the card is read according to the card reading configuration parameters.

[0083] Optionally, the card reader unit 403 is also used for:

[0084] Perform card swiping detection at the magnetic stripe track and IC card slot according to the card swiping configuration parameters;

[0085] If a successful swipe of a magnetic stripe card at the magnetic stripe track or a successful swipe of an IC card at the IC card slot is detected, the transaction will proceed with the magnetic stripe card or IC card transaction.

[0086] Optionally, the card reader unit 403 is also used for:

[0087] If no card swiping operation is detected at the magnetic stripe track or IC card slot, continue to perform card swiping detection at the magnetic stripe track or IC card slot according to the card swiping configuration parameters.

[0088] Optionally, the card finding unit 402 is also used for:

[0089] Determine whether the NFC receives a response signal during the card search phase. The response signal is the NFC card identification information.

[0090] If so, the NFC will be triggered to enter the card reading stage based on the response information.

[0091] Optionally, the card finding unit 402 is also used for:

[0092] If not, then during the card search phase, continue searching for the card according to the card search configuration parameters.

[0093] Optional card configuration parameters include field strength and gain.

[0094] Please see Figure 5 This application also provides a payment transaction device, the device comprising:

[0095] Processor 501, memory 502, input / output unit 503, bus 504;

[0096] The processor 501 is connected to the memory 502, the input / output unit 503, and the bus 504;

[0097] The memory 502 stores a program, and the processor 501 calls the program to execute any of the methods described above.

[0098] This application also relates to a computer-readable storage medium on which a program is stored, which, when run on a computer, causes the computer to perform any of the methods described above.

[0099] Those skilled in the art will clearly understand that, for the sake of convenience and brevity, the specific working processes of the systems, devices, and units described above can be referred to the corresponding processes in the foregoing method embodiments, and will not be repeated here.

[0100] In the several embodiments provided in this application, it should be understood that the disclosed systems, apparatuses, and methods can be implemented in other ways. For example, the apparatus embodiments described above are merely illustrative; for instance, the division of units is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the coupling or direct coupling or communication connection shown or discussed may be an indirect coupling or communication connection between apparatuses or units through some interfaces, and may be electrical, mechanical, or other forms.

[0101] The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0102] Furthermore, the functional units in the various embodiments of this application can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit.

[0103] If the integrated unit is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of this application. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, portable hard drives, read-only memory (ROM), random access memory (RAM), magnetic disks, or optical disks.

Claims

1. A payment transaction method, characterized in that, Applied to a POS terminal, the method includes: When a payment transaction is initiated, NFC is triggered to enter the card search phase. The NFC transaction phase includes the card search phase and the card reading phase. The card search phase is configured with card search configuration parameters, which are configured such that NFC will not respond when a magnetic stripe card is swiped at the magnetic stripe track of the POS terminal or an IC card is swiped at the IC card slot. The card reading phase is configured with card reading configuration parameters, which are configured such that NFC can read cards normally during the card reading phase. During the card-finding phase, the card is found according to the card-finding configuration parameters. If a swipe operation of the magnetic stripe card or IC card is detected, the swipe operation is responded to.

2. The payment transaction method according to claim 1, characterized in that, After performing card retrieval according to the card retrieval configuration parameters, the method further includes: If the NFC card search is successfully detected, the NFC will be triggered to enter the card reading stage; During the card reading phase, the card is read according to the card reading configuration parameters.

3. The payment transaction method according to claim 1, characterized in that, The POS terminal is configured with card swiping configuration parameters, which are configured to enable normal card swiping detection for the magnetic stripe card at the magnetic stripe track or the IC card at the IC card slot. If a card swiping operation is detected for the magnetic stripe card or the IC card, the terminal responds to the card swiping operation, including: At the magnetic stripe track and the IC card slot, card swiping detection is performed according to the card swiping configuration parameters; If a successful swipe operation of the magnetic stripe card at the magnetic stripe track or a successful swipe operation of the IC card at the IC card slot is detected, then a transaction is performed using the magnetic stripe card or the IC card.

4. The payment transaction method according to claim 3, characterized in that, After performing card swipe detection according to the card swipe configuration parameters, the method further includes: If no card swiping operation is detected at the magnetic stripe track or IC card slot, the card swiping detection will continue to be performed at the magnetic stripe track or IC card slot according to the card swiping configuration parameters.

5. The payment transaction method according to claim 2, characterized in that, If the NFC card search is successfully detected, the NFC will be triggered to enter the card reading stage, including: Determine whether the NFC receives a response signal during the card search phase, wherein the response signal is the card identification information of the NFC; If so, the NFC will be triggered to enter the card reading stage based on the response information.

6. The payment transaction method according to claim 5, characterized in that, After determining whether a response signal is received during the card search phase, wherein the response signal is the NFC card identification information, the method further includes: If not, then in the card search stage, continue to search for the card according to the card search configuration parameters.

7. The payment transaction method according to any one of claims 1 to 6, characterized in that, The card-finding configuration parameters include field strength and gain.

8. A payment transaction device, characterized in that, The device includes: An execution unit is used to trigger NFC to enter the card search phase when a payment transaction is initiated. The NFC transaction phase includes the card search phase and the card reading phase. The card search phase is configured with card search configuration parameters, which are configured such that NFC will not respond when a magnetic stripe card is swiped at the magnetic stripe track of the POS terminal or an IC card is swiped at the IC card slot. The card reading phase is configured with card reading configuration parameters, which are configured such that NFC can read cards normally during the card reading phase. A card-finding unit is used to find a card according to the card-finding configuration parameters during the card-finding stage. A card swiping unit is used to respond to the card swiping operation if a card swiping operation of the magnetic stripe card or IC card is detected.

9. A payment transaction device, characterized in that, The device includes: Processor, memory, input / output units, and bus; The processor is connected to the memory, the input / output unit, and the bus; The memory stores a program, which the processor invokes to perform the method as described in any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that, The computer-readable storage medium contains a program that, when executed on a computer, performs the method as described in any one of claims 1 to 7.

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